Solar panels and home insurance

Are solar panels covered by home insurance?

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If you have solar panels installed on your home, it's important to have adequate insurance in place

Solar panels on roof

If you’re thinking about installing solar panels on your property, you’ll need to make sure they’re covered by your home insurance.

Are solar panels covered by home insurance?

Many homeowners choose to fit solar panels on their homes so they can save money on their energy bills by generating electricity themselves. These are usually covered by standard home insurance policies.

Do I need to let my insurer know if I’m installing solar panels?

You should always tell your insurer when you make significant changes to your property, including fitting solar panels, in case you need additional cover – because they might affect how much it costs to rebuild your home.

It’s a good idea to contact your buildings insurance provider before the panels are installed so you know what impact they might have on your premium.

Will I have to pay extra for my home insurance if I have solar panels?

In most cases there won’t be any change to your home insurance premium if you fit solar panels to your property.

Many insurers cover solar panels as standard, counting them as permanent fixtures to your home. However, some insurers may not cover them as standard, so it’s always worth checking.

Even if your insurer does cover your solar panels, make sure you check that they are counted in the rebuild cost of your home – which is the sum your home will be insured for.

This way, your buildings insurance cover will be sufficient to replace the panels if they’re damaged or destroyed as a result of fire, water, theft or vandalism.

There are more than 1m solar installations in the UK

According to the Department of Business, Energy and Industrial Stategy data, correct as of July 2019

Are all types of solar panels covered by my home insurance?

Buildings insurance will usually cover most types of solar panel, including photovoltaic, or PV, solar panels (both monocrystalline and polycrystalline panels) as well as hybrid PV panels with heat exchangers and solar tiles.

These solar panels must be attached to the property and not ground-mounted in order to be covered by your buildings insurance.

Will my insurer pay out if my solar panels are damaged accidentally?

If your panels are damaged by accident, your building cover won’t necessarily pay out. If you want peace of mind that they’ll be protected against unintentional damage, you may consider taking out accidental damage cover.

Can I claim on my buildings insurance if my solar panels need replacing due to wear and tear?

Home insurance does not cover wear and tear. If you’ve had your solar panels for many years and they stop working properly due to wear and tear, you can’t claim for new ones on your building policy. 

You are duty bound to keep your home and contents safe and in a good state of repair. So, if you go out and leave the doors open, don't expect the insurer to meet the claim for theft. 

What is the solar panel feed-in tariff?

The government used to offer a feed-in tariff to solar panel owners, who could sell any surplus electricity back to the national grid. However, this scheme has been closed to new applications since March 2019.

Households who signed up for and installed solar panels before then can continue to benefit from tariff payments.

Compare home insurance quotes

You can compare buildings insurance quotes – including the value of your solar panels – using MoneySuperMarket’s online comparison tool. Just tell us a little about yourself, the property and the contents you want to insure, and we’ll compile a list of quotes tailored to your exact requirements.

You’ll be able to browse and compare deals by the overall monthly and annual cost and the level of cover you get, so you can find the policy that gives you everything you need. Once you’ve chosen your preferred deal, just click through to the provider to finalise your purchase.

As with all insurance products, the cheapest option isn’t always the best. We recommend aiming for a balance between cost and cover, so you can avoid under-insuring yourself or overpaying for a policy you don’t need.

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